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Overview / Commentary
4490 Garfield St
Denver, CO 80216

D C Credit Union is headquartered in Denver and is the 73rd largest credit union in the state of Colorado. It is also the 4,937th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 4 employees and 1,232 members. D C Credit Union has a C health rating.

Field of Membership Restrictions

Must live or work in the Denver's 80216 zip code or be an employee of one of the several Select Employee Groups (SEGs). - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. D C Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 D C Credit Union had $186,000 in non-current loans and owned real-estate with $1.6 million in equity and loan loss allowances on hand to cover it. This gives D C Credit Union a Texas Ratio of 11.61% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for D C Credit Union increased slightly from 1.04% as of March 31, 2013 to 11.61% as of March 31, 2014, resulting in a negative change of 1,017.83%. This indicates that the balance sheet and financial strength for D C Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, D C Credit Union has decreased its total deposits by $-816,000, resulting in -13.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth D C Credit Union has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. D C Credit Union has $6.91 million in assets with $1.6 million in equity, resulting in a capitalization level of 23.19%, which is excellent.

Institution Statistics

NCUA #63498
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$6.91 million
Loans$3.44 million
Deposits$5.36 million
Equity Capital$1.52 million
Loan Loss Allowance$83,000
Unbacked Noncurrent Loans$186,000
Real Estate Owned$0
Historic Data - March 2013
Assets$7.91 million
Equity Capital$1.70 million
Loan Loss Allowance$32,000
Unbacked Noncurrent Loans$186,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.75%
Return on Assets-7.29%
Return on Equity-33.18%
Interest Income$77,000
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D C Credit Union Savings Account Rates

0.50%--IRA Share Account
0.25%--Christmas Club
0.10%--Share Account

D C Credit Union CD Rates

1.20%$500-48 Month CD
0.95%$500-36 Month CD
0.65%$500-24 Month CD
0.45%$500-12 Month CD
0.30%$500-6 Month CD

D C Credit Union IRA Rates

1.20%$500-48 Month IRA CD
0.95%$500-36 Month IRA CD
0.65%$500-24 Month IRA CD
0.45%$500-12 Month IRA CD
0.30%$500-6 Month IRA CD

D C Credit Union Locations
Branch Office4490 Garfield StDenver, CO 80216